Concept:
Dipole moment depends on both bond polarity and molecular geometry. It is the vector sum of all bond moments present in a molecule.
• Symmetrical molecules may have zero dipole moment due to cancellation of bond moments.
• Lone pairs influence molecular geometry and hence the resultant dipole moment.
• In \(NF_3\), the bond moments oppose the lone-pair moment, reducing the net dipole moment.
• In \(NH_3\), the bond moments and lone-pair moment act in the same direction, increasing the dipole moment.
Step 1: Determine the dipole moment of \(BF_3\).
\(BF_3\) has a trigonal planar geometry and is perfectly symmetrical.
\[\begin{aligned}
\mu(BF_3)=0
\end{aligned}\]
Thus, \(BF_3\) has the lowest dipole moment.
Step 2: Compare \(NF_3\) and \(NH_3\).
\[
\begin{aligned}
NF_3 &: \text{Lone pair opposes bond moments} \Rightarrow \text{Small dipole moment} \\
NH_3 &: \text{Lone pair adds to bond moments} \Rightarrow \text{Larger dipole moment}
\end{aligned}
\]
Hence,
\[\begin{aligned}
\mu(NF_3) \lt \mu(NH_3)
\end{aligned}\]
Step 3: Compare \(NH_3\) and \(H_2O\).
Water possesses two lone pairs and a bent geometry, leading to a greater resultant dipole moment.
Typical values are:
\[
\begin{aligned}
BF_3 &:\quad 0 \ \text{D} \\
NF_3 &:\quad 0.24 \ \text{D} \\
NH_3 &:\quad 1.47 \ \text{D} \\
H_2O &:\quad 1.85 \ \text{D}
\end{aligned}
\]
Therefore,
\[\begin{aligned}
BF_3 \lt NF_3 \lt NH_3 \lt H_2O
\end{aligned}\]
Step 4: Identify the correct increasing order.
\[\begin{aligned}
\boxed{BF_3 \lt NF_3 \lt NH_3 \lt H_2O}
\end{aligned}\]
Hence, option \(\mathbf{(D)}\) is correct.